A consumer residing in North Carolina opens a credit card account with a national bank, "signing" three separate agreements: (1) a cardmember agreement, (2) an online service agreement, (3) an electronic communication consent agreement.
The cardmember agreement contains a broad choice-of-law provision stating "This agreement and your account will be governed by federal law, as well as the law of Delaware, and will apply no matter where you live or use this account."
The online service agreement also contains a broad provision stating "This Agreement and its enforcement shall be governed by the laws of the State of New York, without regard to any choice of law provision, except for section 5-1401 of the New York General Obligations Law, which does apply, and shall inure to the benefit of our successors and assigns, whether by merger, consolidation, or otherwise. The account(s), products and services accessed via the Online Service shall be governed by laws of the applicable account agreements."
The electronic communication consent agreement does not contain a choice-of-law provision.
Consumer sues in NC district court and wishes to argue a state UDAP violation. While most states have UDAP statutes, they vary in their consumer-friendliness. The unfair act involves non-receipt of paperless billing statements -- which could arguably arise under either of the three agreements.
Which state UDAP statute applies?